I see that there are quite many software developers here and I’d like to know if any of you has already gone freelance/contractor. Has anyone such an experience to share?
I am considering this option myself but so far it is relatively new and fuzzy in my head so I am trying to find out what I will have to pay from my gross revenue:
- First pillar : here I guess I would have to pay the equivalent to (employee contribution + employer contribution), so around 13%, right?
- second pillar : i will have to contribute for the maximum mandatory insured salary (84’600 - insured first pillar = 59’925). Since i am in my mid thirties, I expect the contribution rate to be around 7%, so 7% * 59’925 = CHF 4194 per year.
Zürich taxes: i would expect the income tax rate to be around 18%.
Am i missing something else?
Ah, another question: have you created your own company to deal with your clients or have you used the services of a payroll (“umbrella”) company? Why? if you’ve chosen an umbrella company, what is usually their share cut from your revenues?